TPD, Trauma & Income Protection Claim Advocacy
We handle the claim.
You keep more of the payout.
Free
confidential claim check
No upfront fee
No win, no fee
Claims We Help
Australians Navigate
VIP Life Claims supports Australians through complex personal insurance claims - from identifying cover and assessing eligibility to evidence preparation, insurer communication and claim assessment.
Income Protection
Income Protection Claims. If illness or injury prevents you from working for a period of time, income protection may provide ongoing benefits subject to your policy terms. We help manage evidence, insurer requirements and ongoing claim communication.
Trauma Claims
Trauma & Critical Illness. Trauma insurance may provide a lump-sum benefit following certain serious medical events or diagnoses. We help review your cover, policy requirements and supporting evidence.
TPD Claims
Total & Permanent Disability. If illness or injury has significantly affected your ability to work, you may have TPD insurance through your superannuation fund or a personal policy. We help identify your cover, assess the applicable definition and manage the claim process.
Why Claim Support Matters
A TPD Claim is not simply a form and medical diagnosis.
It is an evidence based assessment against the precise definition,
terms and requirements of your insurance policy.
30%
Of TPD Claims take longer
than 6 months.
ASIC found the average processing duration was 5.4 months, with nearly 30% of claims taking more than six months to finalise.
1 IN 2
Closed Through Inactivity
Super Consumers Australia found 50% of withdrawn TPD claims in the year analysed had been closed by insurers due to “claimant inactivity”.
Staying engaged with requests and deadlines can be critical.
27%
Don’t Know Their Cover
A national survey found 27% of Australians were either unsure whether they had insurance through super or did not know what policies they held.
Before you can make a claim,
you need to know what cover may exist.
Why people
seek help
Claims can become difficult when policy terms are unclear, evidence needs coordinating, or insurer and super fund requests keep building up.
That is where experienced claim support can make the process clearer, more structured and less overwhelming.
Your Options Compared
| What Matters | Go It Alone | Other Paid Representation | VIP Life Claims |
|---|---|---|---|
| Policy & definitions | You interpret the policy yourself | Input may be available depending on the matter | Core part of our claim review, this is our speciality |
| Medical & occupational evidence | You gather and coordinate the evidence | May be handled as part of the service or at an additional cost | We help identify and coordinate the supporting evidence |
| Insurer & super communication | You manage the communication yourself | May be managed within the representations scope | We manage insurer and super fund communication with you |
| Finding cover | You investigate your current and past cover yourself | May be reviewed depending on scope | We review current and previous cover that may be relevant |
| Claim administration | You handle the forms, follow-ups and claim process | Support may vary depending on the provider and engagement scope | This is a core part of our service |
| Professional fees | No professional fee, but you manage the work yourself | Professional fees apply, depending on the firm and fee agreement | Our fee is agreed in writing before engagement and capped under our fee structure. |
The right option depends on the circumstances of the claim. Some matters may require further advice; others may primarily need
experienced claims support.
Get clarity before we start
A free confidential claim check can help you understand where you stand and what may be required.
Real Client Experience
“VIP Life Claims provided exceptional support throughout my insurance claim process. Their professionalism, clear communication and deep understanding of the system made what could have been a stressful experience feel smooth and manageable. They were always available to answer questions and ensured every detail was handled correctly. I truly appreciated their dedication and commitment throughout the process.
I highly recommend VIP Life Claims to anyone needing expert assistance with insurance claims.”
Dr S.
Former VIP Life Claims client
Full name withheld for privacy
Shared with permission. Individual claim outcomes depend on policy terms, evidence and insurer or trustee assessment.
No Upfront Fee Commitment
No Win, No Fee Structure
Obligation-Free Initial Review
Whether you are a direct client or a professional referring a client,
VIP Life Claims helps manage the claims process with care, structure and clarity.
Claim Guidance
Document Support
Insurer Communication
Personal Support
25+ Years Industry Experience
More than 25 years inside the personal insurance and claims industry means we understand how claims are assessed the policy definitions, evidence, insurer requirements, super fund processes
and common roadblocks.
$0 Upfront
No upfront professional fee.
If your claim is successful, our fee is agreed with you in writing before we begin and is capped between 10 to 15% + GST
of the claim benefit.
$13M+ in Claim Outcomes Assisted
VIP Life Claims has assisted clients with more than $13+ million
in approved claim outcomes.
Understand the Claims Process
Watch our short overview to learn how VIP Life Claims supports clients through the personal insurance claim process.
FREQUENTLY ASKED QUESTIONS
How long do TPD Claims take?
Most TPD claims take around 3 - 6 months from lodgement to outcome, depending on the insurer, medical evidence and policy terms.
Our job is to handle the
process for you,
from cover review and claim preparation to evidence gathering, insurer follow-up and progression of the claim through to outcome.
You stay informed.
We do the work.
Are there any time limits for
TPD Claims?
Often, yes. Some policies have notice or lodgement timeframes, and some claims require a waiting period before they can be assessed.
VIP Life Claims checks the policy, manages the timing, prepares the claim and deals with the insurer or super fund for you.
No guesswork.
No missed steps.
How are your fees calculated?
We work on a No Win, No Fee basis.
There is no upfront professional fee.
If your claim is successful, our fee is agreed with you in writing before we begin and is calculated as a percentage of the claim benefit, capped at 10-15% + GST depending on the claim.
The fee applicable to your claim is clearly set out in your Terms of Engagement before you proceed.
No fee for our professional services unless your claim succeeds.
VIP Life Claims Pty Ltd (ABN 88 651 330 497) is a Corporate Authorised Representative of Lifestyle Asset Management Pty Ltd (ABN 58 113 067 968) AFSL 288421.
VIP Life Claims provides claims advocacy and administrative support services only and does not provide personal financial product advice.
Any information provided is general in nature and does not take into account your objectives, financial situation or needs.
You should consider obtaining personal advice from a licensed financial adviser before making any decision in relation to financial products or insurance policies.
Fees for our services are charged on a no win, no fee basis, calculated as a percentage of the claim benefit and disclosed to you in writing prior to engagement.
